Compare the best rates from 6 car insurance companies in West Virginia.
Across the Mountain State, there are 79,144 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Erie | $922 |
| 2 | The Hartford | $1,039 |
| 3 | State Auto | $1,241 |
| 4 | Westfield | $1,288 |
| 5 | USAA | $1,300 |
| 6 | Progressive | $1,509 |
| 7 | State Farm | $1,523 |
| 8 | Nationwide | $1,567 |
| 9 | Encompass | $1,604 |
| 10 | GEICO | $1,710 |
| 11 | Motorists Mutual | $1,768 |
| 12 | Safeco | $1,785 |
| 13 | Cal Casualty | $1,824 |
| 14 | Allstate | $2,276 |
| 15 | Liberty Mutual | $3,243 |
| 16 | Sentry | $3,884 |
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. West Virginia drivers without a recent at-fault accident can save 34% on their car insurance premiums, on average — just a bit better than the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
| Rating Factor | $ Savings | % Savings |
|---|---|---|
| No Traffic Tickets | $287 | 17.19% |
| No Accidents | $723 | 34.37% |
| Good Credit | $1,049 | 43.15% |
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In West Virginia, the average teen driver pays $5,366 — approximately $400 per year more than the nationwide average and approximately three times more than an older West Virginia driver.
| Age | Annual Rate with Parents | Annual Rate Alone |
|---|---|---|
| 16 | $5,828 | $6,342 |
| 17 | $5,608 | $5,835 |
| 18 | $5,734 | $5,169 |
| 19 | $4,909 | $3,510 |
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 37% after a DUI, 34% after an at-fault accident, and 17% after a speeding ticket in West Virginia. The post-citation penalties assessed by car insurance companies in the Mountain State are similar to nationwide averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.
| Rating Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $2,105 | 34.37% |
| DUI | $2,227 | 37.96% |
| Speeding Violation | $1,668 | 17.19% |
| Bad Credit | $2,430 | 43.15% |
Each car insurance company boasts about its low costs. But just like with any product or service, the cheapest auto insurance isn't always the best choice. Considering the financial stakes, it's worth doing the research to purchase an auto insurance policy that covers your vehicle completely in the event of an incident. Work to find a great value, rather than settling for the cheapest car insurance available.
Compare top auto insurance companies' fiscal strength and claims satisfaction levels to better predict the level of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and varying from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to meet its policy and contractual obligations.
| Insurance Company | Claims Satisfaction (J.D. Power) | Financial Strength (A.M. Best) |
| Allstate | 3 | Superior |
| Cal Casualty | Not Rated | Excellent |
| Encompass | Not Rated | Superior |
| Erie | 5 | Superior |
| GEICO | 3 | Superior |
| Liberty Mutual | 3 | Excellent |
| Motorists Mutual | Not Rated | Excellent |
| Nationwide | 4 | Superior |
| Progressive | 3 | Superior |
| Safeco | 3 | Excellent |
| State Farm | 3 | Superior |
| State Auto | Not Rated | Excellent |
| The Hartford | 4 | Excellent |
| USAA | 5 | Superior |
| Westfield | Not Rated | Excellent |
The legal auto insurance minimum in West Virginia is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.
If you choose the minimum coverage level in West Virginia, expect to pay an average of $604 annually. This is cheaper than the nationwide average by 8%. If you choose more comprehensive coverage, you can purchase a policy with comprehensive and collision coverage, protecting against damages caused by car crashes, theft, or weather incidents. It's worth noting that better insurance coverage comes at a price: in West Virginia, a comprehensive policy with a $1,000 deductible costs $1,202, 99% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay 130% more than you would for basic coverage.
Compare usual expenditures for basic, better, and best car insurance levels below.
| Location | Liability-Only | Comprehensive — $1,000 Deductible | Comprehensive — $500 Deductible |
| West Virginia | $604.36 | $1,202.27 | $1,390.17 |
| National Average | $657.66 | $1,241.26 | $1,397.94 |
Liability coverage is legally required in West Virginia and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In West Virginia, the minimum is listed as 25/50/25 and explained below:
These numbers reflect the minimum limits required in West Virginia but higher coverage amounts are available with most companies.
Yes. If you happen to find yourself pulled over by a police officer in West Virginia you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
10% of drivers are uninsured in West Virginia — below the national average of 13%. It's still worth considering uninsured motorist coverage in West Virginia to avoid extra costs if you're involved in an accident with an uninsured motorist.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Martinsburg, West Virginia, and the most expensive in Elkins, West Virginia.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Elkins | $1,388 |
| 2 | Bluefield | $1,378 |
| 3 | Beckley | $1,378 |
| 4 | Princeton | $1,370 |
| 5 | Oak Hill | $1,362 |
| 6 | Pea Ridge | $1,349 |
| 7 | Cross Lanes | $1,340 |
| 8 | Huntington | $1,339 |
| 9 | Nitro | $1,338 |
| 10 | Dunbar | $1,337 |
| 11 | St. Albans | $1,336 |
| 12 | South Charleston | $1,324 |
| 13 | Charleston | $1,324 |
| 14 | Teays Valley | $1,322 |
| 15 | Parkersburg | $1,316 |
| 16 | Vienna | $1,310 |
| 17 | Moundsville | $1,289 |
| 18 | Fairmont | $1,276 |
| 19 | Bridgeport | $1,274 |
| 20 | Clarksburg | $1,271 |
| 21 | Wheeling | $1,265 |
| 22 | Cheat Lake | $1,263 |
| 23 | Weirton | $1,261 |
| 24 | Morgantown | $1,255 |
| 25 | Martinsburg | $1,212 |
I borrowed a trailer to haul my personal belongings and the trailer tire blew, causing the truck to crash into ...
What do I do if I was in an accident and the guy filed that he had insurance on the ...
I just opened a policy 2 weeks ago and now I’m having issues with my engine. I found a dead ...
I just traded in my car and financed a new vehicle. The salesperson only asked for my proof of insurance, ...
The DUI lookback period in West Virginia is 10 years. Multiple offenses within this timeframe subject offenders to harsher penalties. Penalties are also enhanced for DUI offenders whose BAC is 0.15% or higher, for a DUI with a minor passenger, or for DUI leading to injury or death.
First-time DUI offenses in West Virginia lead to:
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in West Virginia, while also getting an insider view of the Mountain State.
So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.
Your original video should not exceed 2 minutes
The video must be hosted on YouTube or Vimeo
Email your submission to scholarships@thezebra.com
your name, address, and phone number when you submit
Selected winner(s) will be awarded a check for $1,000
Applications must be received by 11:59 p.m. CST on December 31st, 2018
Winner(s) will be selected and notified by email by January 31st, 2019
The winner will be selected based on creativity in the content and presentation
*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.
Fine Print
By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.
